LoanCare / mortgage

We structured our payment for a two week payment that was automatically drafted and they agreed to this arrangement. Every single month say we are late on payment so they can hold the loan and so we are not eligible to refinance to get a better interest rate which they said we would after 6 months. It has been almost 20 and my once great credit has gone down the drain with the extra money they hold to supposedly pay unforeseen taxes on the property then blame it on the FHA rules and regulations. We gave them a new primary number to call so while at work I I wouldn't get call after call that I can't answer and then they still call that number and mark it as attempt to contact. This company should be criminally investigated.